"Challenges of using educational platforms and suggestions to address them from the perspective of first-field students at Al Sharqiyah University, Sultanate of Oman"

The study aimed to explore the challenges of using educational platforms and proposals to address them from the point of view of the third-year students at Al-Sharqiya University. The descriptive approach was used on a sample of the third-year students at Al-Sharqiya University in the specialization of the first field, consisting of (100) students. The study tool consisted of a two-axis questionnaire to identify the challenges of Use of educational platforms and proposals to address them. The study concluded that among the main challenges of students' use of educational platforms are weak Internet networks and their lack of coverage in some places, some students not having their own computers, and the lack of technical support when needed. The results showed that among the proposals to address the challenges are the following: Strengthening internet networks in some areas and making them available for free for educational purposes, and providing personal computers for students who need them at subsidized prices and an easy payment method, in addition to providing the necessary technical support through the establishment of a special platform that includes answering questions directly, as well as educating students about the harms of staying long hours in front of electronic devices. The results of this study were discussed in the light of latest reviewed literature followed by recommendations and suggestions for future studies and investigations.

Analysis of Consumer Behavior on Buying Decision at the Online Shop, Easy Shopping Indonesia

Know the effect of the consumer behavior of online shop, Easy Shopping Indonesia on the consumers’ buying decision. The quantitative approach, descriptive and verified design are used. As much as 100 consumers of Essay Shopping in Bandung are selected as respondents using a purposive method. The instrument of data collection is questionnaire. The data analysis used is Structural Equation Modeling based on Partial Least Square (PLS SEM). The research results show that the consumer behavior of Easy Shopping online shop affects the consumer buying decision significantly. The biggest effect of the consumer behavior dimension on the buying decision variable is a personal factor; the second one is a psychological factor; the third one is a social factor and the fourth one is a cultural factor. The biggest effect of the consumer behavior variable is on the dimension of payment method; then the second one is distribution selection; the third one is on brand selection; the fourth one is on buying time and the last one is on product selection. Those findings are the antecedents of the online buying decision which finally affect the changes of the buying decision from the conventional buying process into the online one. Key Words : consumer behavior, cultural factors, social factors, personal factors and psychological factors, buying decision, product selection, brand selection, distribution selection, payment method and timing.

Cryptocurrency (Virtual Coins): Accounting Aspects and Tax Regulations

Lately, there have been many questions from specialists regarding the accountability of cryptocurrency. The lack of a legislation has allowed them to be interpreted as either intangible assets or stocks, even though Romania owns the biggest transaction platform in Eastern Europe (Bitcoin Romania). National Bank of Romania (NBR) acknowledges the lack of regulations and supervisions regarding cryptocurrency, regarding them as “speculative assets, extremely volatile and risky”. Simultaneously, this brings to attention the fact that these are not national coins nor currencies, and accepting them as a payment method isn’t, legally speaking, mandatory.

ANALYSIS OF THE EFFECT OF ISLAMIC BANK INCOME AND INCOME CONVENTIONAL BANKS AGAINST BANK PROFITABILITY

Bank Syariah Indonesia has sharia contracts that can make it easier for customers to get consumptive financing such as financing in the purchase of cars/motorcycles, but many people do not know that Islamic banks have such consumptive financing products. Based on the results of research on the mechanism and application of consumptive financing on the Oto iB Hasanah BNI Syariah Banda Aceh product, this can be done in three stages, namely: First, the customer applies for consumptive financing for the Oto iB Hasanah BNI Syariah Banda Aceh product by completing the file, second, checking data or verifying data for completeness and the truth of the file, thirdly, a field survey with the 5C principle (Character, Capacity, Capital, Condition and Collateral). murabahah namely an agreement on profit, payment method, sale and purchase agreement and delivery of goods.

A Multipath Payment Scheme Supporting Proof of Payment

Blockchain technology has always been plagued by performance problems. Given this problem, many scaling schemes have been put forward. A layer 2 network is a technology that solves the performance problem of blockchain. Connected parties in this network can set up channels to send digital currency to each other. Since the interaction with the blockchain is only required when the channel is established and closed, a large number of transactions do not need to be recorded on the blockchain, thus reducing the blockchain capacity. Due to the special structure of the payment channel, the distribution of funds in the channel is often unbalanced, which limits the route payment to a certain extent. This paper improves the original payment method in the second layer network by introducing new scripts. The new payment scheme supports proof of payment which is integral to the nature of the lightning network and divides the payment into several subpayments, so the large payment can be divided into relatively small payments. Due to the capacity limitation of the payment channel, theoretically, the success rate of the micropayment route is higher. This paper tests the new payment scheme on the simulated network and validates the nature of this solution to have a high routing success rate while supporting proof of payment.

Trust Perception and Payment Method on Marketplace in Indonesia (Study on Shopee)

The rapid development of e-commerce in Indonesia has led to the emergence of competition. One of the e-commerce platforms that is aggressive in promoting and widely used by Indonesian consumers is Shopee. Shopee conducts promotions in Indonesia to bring new shopping experiences to facilitate easy sales and provide shoppers with secure payment processes and integrated logistics arrangements.The research purpose is to determine reputation’s effect, privacy, size, safeguard, web familiarity, and ease in creating a positive effect on confidence; and trust variable will have a positive effect on payment methods using the electronic payment system (EPS), credit cards and cash on delivery on product purchases at online shops in Indonesia. The research methodology uses quantitative methods with a cross-sectional research design by distributing questionnaires online with a Google Form, with 248 respondents. The study led to the findings of the perceptions of trust significantly influenced by security, benefits, and convenience, while reputation, privacy, size, and web familiarization do not affect trust. Furthermore, trust affects the electronic payment method (EPS), credit card, and cash on delivery. The limitation of the study is in the sampling method which covers not all regions in Indonesia. Contribution: as a company, Shopee should maintain security, the benefits, and convenience to develop strategies using electronic payment methods.

Exploring Consumers’ intention to adopt Mobile Payment system in Ghana

In this paper, we examined consumers’ intention to adopt and use mobile payment method in Ghana. Data for the study was obtained from a sample of 260 respondents through online and direct survey using structured questionnaire. Structural Equation Modeling was used to analyse the data through SPSS v.22 and SmartPLS v.3. Findings with regards to the determinants of mobile payment system adoption indicate that perceived security, attitude and perceived usefulness play active roles in consumers decision to adopt mobile payment method in Ghana. Also, perceived usefulness and perceived ease of use have a significant and positive influence on consumers’ attitude towards mobile payment adoption. Further, subjective norm was found to influence perceived usefulness and perceived ease of use of mobile payment adoption in Ghana. The study contributes to literature on mobile payment system from developing country context. The study proffered some recommendations.

Exploring Consumers’ intention to adopt Mobile Payment system in Ghana

In this paper, we examined consumers’ intention to adopt and use mobile payment method in Ghana. Data for the study was obtained from a sample of 260 respondents through online and direct survey using structured questionnaire. Structural Equation Modeling was used to analyse the data through SPSS v.22 and SmartPLS v.3. Findings with regards to the determinants of mobile payment system adoption indicate that perceived security, attitude and perceived usefulness play active roles in consumers decision to adopt mobile payment method in Ghana. Also, perceived usefulness and perceived ease of use have a significant and positive influence on consumers’ attitude towards mobile payment adoption. Further, subjective norm was found to influence perceived usefulness and perceived ease of use of mobile payment adoption in Ghana. The study contributes to literature on mobile payment system from developing country context. The study proffered some recommendations.

Faktor-Faktor Yang Mempengaruhi Niat UMKM di Kota Padang Menggunakan e-Payment sebagai Metode Pembayaran

Technological developments are experiencing rapid progress which will provide convenience in accessing information and in managing resources effectively and efficiently. This development has also spawned innovations, especially in financial technology that can facilitate public access to financial services, one of which is e-Payment. This study aims to obtain empirical evidence regarding the effect of perceived benefits, perceived ease of use and perceived risk on MSME's intention to use e-Payment as a Payment Method. This study uses a theory, namely The Theory Acceptance Model (TAM) which is modified by adding a risk perception variable. The data used in this study are primary data obtained from online questionnaires distributed to 95 MSMEs throughout the city of Padang which were selected using the non-probability sampling method with the Slovin formula. The data analysis technique used is SEM (Structural Equation Model) using SmartPLS 3.0 software. From the results of this study indicate that of all the constructs that have been tested, namely the perception of benefits, ease of use and risk affect the intention of MSMEs in using e-Payment as a payment method. In this study, the TAM theory coupled with risk perception has proven that the independent variable in this study can explain its influence on the behavioral intention variable by 48.5% on the intention variable.